Are you stuck and need financial assistance?
Are you looking for a bank to give you unsecured personal loan in Kenya. If yes,  then this post is for you. In this post am going to give the list of banks and their personal loan products for you to pick the best lender as per your needs.
These are the banks to approach for personal loans be it emergency or for business purposes. These banks gives loans without any collateral.

5 Banks Giving Best Unsecured Personal Loans in Kenya

  • KCB 
  • HF Bank
  • Stanbic Bank Kenya
  • Absa Kenya
  • NCBA

KCB Unsecured Personal Loans 

KCB bank offer unsecured personal loans to individuals without any collateral deposit to cater for their personal expenses.

Benefits /Features of KCB Unsecured Personal loans 


  • The loans does not require any secure deposit or collateral
  • The loans are open to both employed and self-employed individuals
  • Self-employed individuals must have a regular steady income 
  • The loans have longer repayment periods up to 4 years.
  • The loan given ranges from kshs 20,000 to 4 million.

Requirements For KCB Unsecured Personal Loans 

  • Original and copy of National ID or passport
  • Must have an account with KCB bank not less than 3 months old.
  • Latest 3 Original payslips ( Where applicable)
  • Employment card ( where applicable)
  • Proof of income for self-employed individuals

KCB Unsecured Personal Loans Interest Rates,Repayment period fees 

KCB Unsecured personal loans have up to a maximum of 48 months loan repayment period.
Interest rate charged on KCB Unsecured personal loans is 13% pa with a negotiation fee of 2.5% of the loan


KCB Unsecured Personal Loans Customer Care contacts. 

To apply for the loans or for clarification, one can contact KBC customer service through:
Cell +254 711 087 000/ 732 187 000
Email: contactcentre@kcb.co.ke 


HF Bank unsecured Personal Loan 

HF personal loans are given out to salaried customers by the bank.

Benefits & Features of HF personal loans 

Maximum amount possible: ksh 500,000
Maximum repayment period: 36 months 
Salary must be channelled through HFC
No penalties for early repayment
Has got competitive interest rate on reducing balance

HF personal loan Requirements

National ID/ Passport
KRA pin 
3 Latest payslips

To Apply for the loans , visit any HFC branch or call : 
+254 709 438 000/ 709 438 888
Toll free: 0800 721400


Stanbic Bank Kenya Unsecured Personal Loans

Stanbic Bank Kenya offer unsecured personal loans to individuals without any collateral. The loans are given to persons with aspirations to development.

Features of Unsecured Personal loans From Stanbic Bank Kenya

Minimum amount :ksh 50,000
Maximum amount: ksh 4 million
Maximum loan repayment period: 60 months
Top up loan facility available
Credit life insurance on all loans 
Loan is approved within 48hours 
Has got competitive interest rates and fees 

Requirements for Unsecured personal loans from Stanbic bank Kenya

Applicant must be employed for the last 2 years 
Be a salaried employee earning a minimum net salary of ksh 40,000 a month
Your latest payslip 
Copy of ID / Passport
PIN certificate
Letter from employer confirming terms of employment
Six months bank statement from another bank if you don't bank with Stanbic bank.
To Apply for the loans visit any Stanbic bank Kenya branch or call on +254 020 3268 888.


Absa Bank Kenya Unsecured Personal Loans 

Absa Bank Kenya provide unsecured personal loans to individuals either employed or self-employed without any collateral deposit.

Features of Absa Kenya Unsecured Personal loans 

Maximum amount is 6 million
Repayment period 12 to 72 months
Open to both employed and self-employed individuals
Affordable credit life insurance 
Competitive interest rate

Requirements For Absa Kenya Unsecured personal loans

Latest monthly payslip
Bank statements for 6 months.

To Apply Visit any Absa bank Kenya branch or call :
+254 020 3900000
+254 722 130 120 
Email: absa.kenya@absa.africa 


NCBA Bank Unsecured Personal loan 

This is the newest bank after the merging of NIC and CBA banks.
The bank provide unsecured personal loans to individuals who qualifies for the loans.

Features of NCBA Unsecured  personal loans 

No collateral is required
Quick loan process and disbursement
Has competitive interest rates
No penalty for early repayment
Loan protection insurance

Requirements for NCBA bank unsecured personal loan 

Copy of National ID/ Passport
Copy of KRA pin
Last 6 months bank statements
3 latest monthly payslips
Confirmation letter from the employer 
To Apply visit any NIC or CBA bank branches or
Email: contact@ncbagroup.com 







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